Working in retirement

Life Events > Working in Retirement
In a world where the average 65-year-old can expect to live well into his or her 80s, what were once known as the post-work years have become the springboard for new journeys—each different from the other.
Keep in mind:
Understand potential "startup costs." You may realize, for example, that you need additional training or education.
Consider capital costs. It may be harder to get a business loan after you've retired.
Relocate with an eye toward your work life. The best places to retire may not be the best places for your business.
Rethink when you take Social Security. Postponing Social Security can boost your retirement income when you most need it.

Managing cash flow in retirement

These planning moves can help you live within your means and make adjustments in response to changes in income and expenses.

Turning a hobby into a business

Could your passion pay in retirement? Ask yourself these questions.

What are some financial benefits of delaying retirement or working in retirement?

See how the choices you make today could help boost your retirement income later.

How might I work in retirement?

For many people, retirement no longer means an end of work, but a different way of juggling work and leisure.

How can I pursue a post-retirement career?

Employers are increasingly turning to older workers. Learn how you could benefit from this trend.
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This material should be regarded as educational information on healthcare considerations and is not intended to provide specific healthcare advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.